September 2025
Top Home Warranty Plans for Mobile Homes

A mobile home warranty is a service agreement that helps cover the cost of repairs or replacements for major systems and appliances in manufactured or mobile homes due to normal wear and tear. It’s designed to provide peace of mind and protect your budget from unexpected repair expenses.

A mobile home warranty covers the repair or replacement of systems and appliances, such as HVAC, plumbing, and kitchen appliances, when they break down from everyday use. Homeowners insurance for mobile homes covers damage from events like fire, storms, or theft. The two types of coverage work together to provide complete protection.

Most plans cover essential systems like heating, air conditioning, plumbing, and electrical, along with appliances like refrigerators, ovens, dishwashers, and washers/dryers. Some providers tailor plans specifically for mobile homes, which may include coverage for unique components or building materials.

Pre-existing conditions—problems known or that should have been known before your plan started—are usually not covered. However, some providers may offer limited protection for issues that were not visible or detectable during an inspection.

Yes. Many companies offer warranties for mobile homes regardless of age. Older homes may have more wear and tear, so some providers may apply certain limitations or higher service fees.

The cost usually ranges from $300 to $600 per year, depending on the provider, the coverage level, and the home’s age. Service call fees typically range from $75 to $125 for each visit.

Contact your warranty provider online or by phone to report the issue. They will arrange for a licensed technician to inspect and repair the problem. If the repair is covered, you’ll only pay the agreed-upon service fee.

Most mobile home warranty plans allow unlimited service requests, but each covered item usually has a payout limit per contract term. Review your plan’s terms to understand any caps.

Most providers require you to use their approved network of technicians. Some may allow you to hire your own licensed contractor, but you’ll need to follow their approval and reimbursement process.

Coverage usually starts 30 days after purchase. Some providers may offer immediate coverage if you’re switching from another warranty plan.

Yes, optional add-ons may include coverage for roof leaks, septic systems, well pumps, and even detached structures. Some providers also offer protection for stand-alone appliances or outdoor equipment.

Mobile home warranties are ideal for owners of manufactured or mobile homes who want predictable repair costs, peace of mind against breakdowns, and access to professional repair services without the stress of finding a contractor.